Medicare · Turning 65, already enrolled, or eligible through disability
Medicare, finally explained in plain language
Original Medicare, Advantage, Medigap, Part D, enrollment windows, penalties - the system is genuinely confusing, and the wrong choice is expensive. I’ll walk you through it step by step and help you find a plan that fits your doctors, medications and budget. There is no charge to you for my help — I'm paid by the insurance carrier.
We do not offer every plan available in your area. Currently, we represent multiple organizations which offer numerous products in your area. Please visit Medicare.gov or call 1-800-MEDICARE to get information on all of your options.
GetCover Pro is not connected with or endorsed by the United States government or the federal Medicare program. This website is for informational purposes only and is not a complete description of benefits; for full details contact the plan or your licensed agent. Plan availability varies by county. National Producer Number: 22166747
What's included
- Initial Medicare enrollment (turning 65)
- Annual Enrollment Period (AEP) plan reviews
- Medicare Advantage (Part C) plans
- Medicare Supplement (Medigap) plans
- Prescription Drug Plans (Part D)
- Medicare plan comparison across carriers
- Doctor & hospital network review
- Prescription formulary review
- Switching Medicare plans
- Guidance for first-time beneficiaries
- Help for people moving to Texas
- Late-enrollment penalty avoidance
Who this is for
- People turning 65 and preparing for Medicare
- Current Medicare beneficiaries who want a better plan
- People retiring and losing employer coverage
- People moving to Texas — plans differ by state and county
- People working past 65 who aren't sure when to switch
The parts of Medicare — in one minute
Part A (Hospital Insurance)
covers inpatient hospital care, skilled nursing facilities, hospice and some home health care. For most people, Part A is premium-free based on their own or their spouse’s work history. Enrollment goes through Social Security — I help you with it.
Part B (Medical Insurance)
covers doctors, outpatient care, lab tests, diagnostics and preventive care. Part B has a monthly premium. Also enrolled through Social Security — and also something I walk clients through.
Part C (Medicare Advantage)
an alternative to Original Medicare sold by private insurance companies. It bundles Parts A and B, usually includes Part D drug coverage, and often adds dental, vision and hearing benefits. Many plans have low or even $0 additional premiums, but provider networks and out-of-pocket costs vary by plan.
Part D (Prescription Drug Plans)
covers prescription medications. It can be a standalone plan alongside Original Medicare, or come built into a Medicare Advantage plan. Even if you take no medications today, going without Part D or other creditable drug coverage can result in a late-enrollment penalty if you enroll later.
Medigap (Medicare Supplement)
not a part of Medicare itself, but private coverage that pairs with Original Medicare and picks up what Parts A and B leave behind: deductibles, copays and coinsurance. With Original Medicare and Medigap, you can generally see any doctor in the U.S. who accepts Medicare.
Advantage or Original Medicare + Medigap?
This is the single biggest Medicare decision, and there's no universal answer. Medicare Advantage usually costs less per month and bundles extras like dental and vision — but you're tied to a provider network, and your real costs show up as copays and coinsurance when you actually need care. Original Medicare + Medigap + Part D costs more per month but gives you predictable expenses and your choice of any doctor nationwide that accepts Medicare.
One thing many people learn too late: switching from Advantage to Medigap later is not always guaranteed — outside certain windows it can require medical underwriting. That's why this choice deserves a careful conversation up front, not a rushed click during open enrollment.
I'll lay out both paths with real numbers for your county, your doctors and your prescription list — and you'll make the call with full information.
When can you enroll?
Your Initial Enrollment Period generally lasts 7 months: the 3 months before your 65th-birthday month, your birthday month, and the 3 months after. Delaying enrollment without qualifying coverage can lead to late-enrollment penalties.
Still working at 65 with employer coverage? You may be able to delay some parts of Medicare without penalty, depending on your coverage and employment situation. This is one of the most common questions I help clients untangle.
Already on Medicare? The Annual Enrollment Period (October 15 – December 7) is when you can switch plans. Plans change their networks, formularies and prices every single year — an annual review with your broker comes at no charge to you and routinely saves real money.
Carriers I work with
As an independent broker I have access to products from these insurance companies - and compare their plans side by side for you.
FAQ
Frequently asked questions
I'm turning 65 soon. What do I actually need to do?
Three months before your birthday month, we schedule a call. I help you enroll in Parts A and B through Social Security, then we compare Medicare Advantage and Medigap + Part D options available in your county based on your doctors and medications. The whole process usually takes about an hour of your time.
Will my doctor accept the plan?
I check this before enrollment - it's especially critical for Medicare Advantage, which uses provider networks. With Original Medicare + Medigap you can see any doctor in the U.S. that accepts Medicare.
A $0-premium Advantage plan — what's the catch?
$0 plan premium doesn’t mean $0 healthcare costs. You pay through copays, coinsurance and deductibles when you use services, up to the plan's out-of-pocket maximum. I'll show you the realistic annual cost for how you actually use healthcare — not just the monthly sticker price.
I don't take any medications. Why would I need Part D?
Because of the late-enrollment penalty: If you go 63 days or more without Part D or other creditable drug coverage after you’re eligible, you may owe a late-enrollment penalty if you join Part D later.
Why do I need Medigap if I have Parts A and B?
Original Medicare leaves you responsible for deductibles and cost sharing, including 20% coinsurance for many Part B services, with no annual out-of-pocket limit. Medigap plans can cover many of those gaps, depending on the plan you choose.
What will all this actually cost me per year?
The right question! I always calculate the full picture: premiums + deductibles + copays + your specific medications. The cheapest premium is often not the cheapest plan for you — that's the whole point of a real comparison.
Free 40-second check
Which coverage actually fits your situation?
Five quick questions. No email required to see the answer, and nothing is sold to you at the end — you get a straight recommendation and, if you want it, a call with me.
Turning 65 - or just tired of guessing?
Bring me your list of doctors and medications. I'll bring you a clear comparison for your county — with the real yearly math, in English or Russian.
Talk to a licensed agent
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